Please remember insurance companies increased their profits mightily in 2016. You need to mandate the other end to fix the system. That's what we have been telling you. Everybody in the pool, and insurers cannot participate in any marketplace if they don't fix their business model and actually insure. NOTE: I have my husband's employer provided plan through one of the companies that pulled out of other states this coming year. They don't know how to insure so I'm not surprised, but I am dumping them on principle this coming year. Your turn to do something on principle and get your colleagues out of junior high.